What is the name of the standard Workers' Compensation and Employers Liability policy?

• A. Occupational Injury and Employer Liability Policy
• B. Statewide Workers' Protection Policy
• C. Employers Liability and Workers Loss Insurance Policy
• D. Workers Compensation and Employers Liability Insurance Policy

Answer: (D)

The name of the standard form is the Workers Compensation and Employers Liability Insurance Policy. This policy combines two coverages in one: workers’ compensation, which provides legally required benefits to injured employees, and employers’ liability, which protects the employer against common-law claims brought by employees for injuries not covered by the statutory benefits. The other options use nonstandard phrasing or omit the exact official name, so they don’t represent the recognized form used in this area of practice. This exact title is also commonly abbreviated as WC/EL in the industry.